Invoice Factoring Tool
For subs and specialty trades billing creditworthy GCs or commercial owners. Approved work becomes cash instead of a 45-day wait, and retainage is handled on the invoice.
See Invoice Factoring ToolWhat's your case?
Which funding fits your business right now?
What it means for your cashMaterials, labor and mobilization are paid before anyone releases a progress payment.
Business Line of Credit
Draw the mobilization cost, repay it out of the first two draws, and keep the facility for the next award.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashThe work is done and accepted, and your supplier wants paying long before the GC does.
Invoice Factoring Tool
Turns the approved invoice into cash now, and approval leans on the GC's credit rather than yours.
- Range
- $10,000 – $3,000,000
- Term
- ongoing facility
What it means for your cashYou are carrying the last ten percent of a finished job while paying for the next one.
Business Line of Credit
Draw against what is being held and repay it when retainage releases at closeout.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashRepeat rental is a cost that never ends, where ownership would be a fixed term that does.
Collateral & Asset Loans
The machine secures the loan and the term is set against how many jobs it will work.
- Range
- $10,000 – $1,000,000
- Term
- 12 – 60 months
What it means for your cashYou have already paid the extra labor and material, and you cannot bill any of it until the paperwork catches up.
Business Line of Credit
A line of credit carries the extra cost until the change order becomes a billable invoice.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashA one-time purchase your working capital should not have to absorb.
Business Term Loan
One fixed monthly payment over a defined term, sized to the overhead it replaces.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashStacked payments are how a profitable job turns into a thin one.
Consolidation of Positions
Pays off the positions you have and rolls them into one payment sized to your deposits.
- Range
- $10,000 – $2,000,000
- Term
- 6 – 36 months
Products
Three ways to fund a construction business
Collateral & Asset Loans
For excavators, lifts, skid steers, trucks and trailers. Stop renting the machine you use every week and put it on a term that ends.
See Collateral & Asset LoansBusiness Line of Credit
For mobilization, materials and payroll between draws. Draw what the phase needs, repay it when the payment lands, draw again on the next job.
See Business Line of CreditFrom the blog
FAQ
Construction funding questions
Materials, mobilization, payroll between draws, equipment, a change order you have built but not papered, and the wait on an approved pay app. Falcon does not restrict the use of proceeds to one category.
Often yes, if the GC is creditworthy and the invoice is for completed, approved work. Ask how retainage and lien waivers are handled before you sign anything, because both change what gets funded.
$10,000 to $3,000,000 depending on the product. Factoring runs $10,000 – $3,000,000, an equipment loan $10,000 – $1,000,000, and a line of credit $10,000 – $500,000. The final number depends on your deposits, your time in business and your customers' credit.
A line suits the repeating gap between draws. A term loan suits one purchase you can price once, such as a yard, a shop or a machine. Most contractors end up using the line for the job and the term for the asset.
Many products fund within 24-48 hours of approval. Factoring adds a verification step with the GC, so a clean, approved invoice and the right contact at the payer move it fastest.
Falcon charges a 0% agreement fee. For factoring and other sales-linked products, the total amount and the percentage taken are both spelled out on the agreement before you sign. No specific rate is published here, because it depends on your file.
Six months of business bank statements, a photo ID, a voided check, a list of any current advances or loans, and a quote or invoice for equipment. Factoring also needs the invoices and your customer's details.